Useful Tips for Your Motor Insurance Cases

In this article, we will briefly describe how to properly design the insurance case for CASCO in an accident. This short instruction will help you to understand when it is worth using CASCO, and when it is better to give preference to OSAGO motor insurance.

OSAGO or CASCO?

You are to blame for the incident or not, it does not matter if you have a CASCO policy. But it makes no sense to declare an event on OSAGO, if you are guilty of an accident, because by this insurance, you insure your liability to third parties. This means that when you are the cause of an accident, your insurance company will pay for the repair to the victim, but not to you. And in this case, it is worth using CASCO to restore the car.

If you are not to blame, then you have two options:

  • Use CASCO instead of OSAGO. This is advantageous because during OSAGO repairs, new original parts will have to be paid for or agreed to aftermarket parts. For CASCO insurance on the official or non-official dealer, new original parts are put. What dealer will the insurance company send you is already pre-registered in your policy. This option is negotiated before purchasing CASCO.
  • Use OSAGO policy and claim damages for this insurance product. It is true when there are minor damages and by applying for OSAGO, you will not spoil your insurance history, thus the cost of CASCO insurance policy for the next year won't be more expensive.

What Steps Should You Do in Case of an Accident If You Have CASCO?

Check the actions in case of an accident with CASCO insurance:

  • Take photos and videos from the scene. These frames may request the insurance company manager when receiving documents.
  • Assess the damage. If the damage is not that significant for both participants in an accident, then the protocol (notification of an accident) is filled in by itself, freeing the carriageway and not interfering with other road users.
  • Call the insurance company, report the insured event within 5 business days.
  • You will immediately be offered several lounges for receiving documents on the direct settlement of losses. This can be any point of reception of documents, a branch of the insurance company or a specialist representative in the car dealership.

If the car is on the move, then you need to drive up to the salon yourself. If not, an expert will come to you. The insurance company will pay for the tow services. Do not forget to keep a check from the carrier company or order a tow truck. This service is always included in the CASCO package. An initial inspection for damage will be done by a specialist from the insurance company. As for the documents, you will need to provide a standard package of documents.

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